What Will My Auto Insurance Pay?

Auto insurance is one of the most important investments that a driver can make. Why? A properly insured driver can save thousands of dollars after they’ve been in an accident. There are many drivers, however, who don’t understand exactly what auto insurance does-and therefore, they choose not to buy any.

What does auto insurance pay for? The primary purpose of auto insurance is to help protect a driver that is involved in an accident for which they are at fault. In other words, an accident that they caused. This includes accidents caused by reckless driving in inclement weather, speeding, running a red light, a crash resulting from a vehicle malfunction…the list goes on and on. These kinds of accidents can result in thousands of dollars of damages to their vehicle, the other vehicle(s) and the public and personal property that may have been involved. Repairs in this case usually need to be made quickly, and most people don’t have this kind of money lying around.

Auto insurance will also help pay for the medical expenses of the other driver. Emergency room care following an accident can cost upwards of five hundred dollars, particularly if x-rays or MRIs are needed or bones need to be set and cast. Again, most drivers cannot afford to pay five hundred dollars of another person’s expenses. They usually have enough of their own! An auto insurance company will pay a portion of their expenses, the amount of which is determined by the driver when they purchase their policy.

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